Podcast appearances and mentions of james kirby

One in three Australian investors now have crypto, and that includes an estimated $1 billion inside the SMSF sector alone.Bitcoin is up more than 40 per cent over the last year...it's time to reconsider 'digital gold'. Author and family office director Jacqui Clarke joins Associate Editor-Wealth, James Kirby in this episode. ---------In today''s show, we cover Why has crypto jumped again? The big end of town gets involved How it still fails the 'intrinsic value' test Beyond betting...the post-Trump scenario See omnystudio.com/listener for privacy information.

Buyer's advocates spend their entire time professionally working on the business of buying residential property: As our guest today suggests: "It's both a science and an art." In fact, the secret is that you can make compromises to get what you want.But those compromises can be quite different for the home buyer compared to the residential investor. Jarrod McCabe of Wakelin Property Advisory joins Associate Editor - Wealth, James Kirby in this episode. ---- In today's episode, we cover: The compromises you can make in buying propertyThe mistakes to avoid in having a property managed for youMaking the big jump to owning more than one propertyHow does the First Home Buyer Guarantee scheme work?See omnystudio.com/listener for privacy information.

McGrath’s Tony O’Doherty is one OF Australia’s top real estate agents: He has sold more than $270m worth of residential property over the last year…and he’s got some very useful information to impart, one secret in particular will fascinate you. Tony O’Doherty of the McGrath property group in Bulimba joins Associate Editor -Wealth, James Kirby in this edition. ------ In today’s show, we cover: * The biggest risk facing today’s property investors * Hottest areas for long-term property investment * Queensland - Why it’s so popular right now * Oh yes, the secret..well, you’ll just have to listen… See omnystudio.com/listener for privacy information.

The second term of Donald Trump has been marked by a roller coaster global sharemarket: Even the biggest players among Australian industry funds are openly debating whether it's worth sticking with Wall Street. But you have to make a decision... Nick Griffin, chief investment officer at Munro Partners joins Associate Editor Wealth, James Kirby in this episode. ---- In today's show, we cover: * It's the earnings, stupid! - Trump or no Trump * Why global software giants will keep winning * The case against banks, airlines and consumer fashion stocks * AI -It's the real deal for long-term investors See omnystudio.com/listener for privacy information.

Our show on the incentives available (federal and state) on turning your home into a clean energy powerhouse brought in a flood of questions.Today we return to the issue with top questions from listeners. Financial adviser James Gerrard of www.financialadviser.com.au joins Associate Editor - Wealth, James Kirby in this episode. -----In this episode, we cover... The best way to go solar at home Do second hand electric cars have any value The future of battery power at home The latest on the new super tax See omnystudio.com/listener for privacy information.

Everyday shareholders have always been at the back of the queue when it comes to takeovers, but this year global private equity players have clearly emerged as the 'Barbarians at the gate'.Healthscope, once a $5 billion stock is now in receivership along with its chain of 37 hospitals after a private equity deal went very wrong...what's next? Eric Johnston, Associate Editor- Business, joins James Kirby in this episode. In today's show, we cover... How do we navigate around private equity plunder?Can social infrastructure such as hospitals ever make useful listed investments?Have we been unfair to Bitcoin?How productivity makes a difference to your share portfolio See omnystudio.com/listener for privacy information.

pmarket property is, well, in a league of its own: Shane Smollen is a specialist in the area…and the creator of some of the most impressive heritage-focussed developments in the country.In today’s episode, we cover…* Quality first - Setting your property ambitions higher* Expect the unexpected - surviving whatever gets in your way* The distinct business of luxury property* Can I live in my SMSF-owned property ?Shane Smollen of the Central Element group joins Associate Editor - Wealth, James Kirby in this episodeSee omnystudio.com/listener for privacy information.

Holding residential property inside your super fund has always been demanding - but also lucrative. Higher rates, higher deposits, and a shortage of lenders have always restricted this activity to the most determined investors: Now, the new super tax adds another layer of challenges for property investors. Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor - Wealth, James Kirby in this episode. In today's show, we cover * Property investment inside super...all too hard?* The threat to borrowing inside super from the Greens* How to negotiate a lower mortgage rate with your bank* Should sharemarket listed property funds be classified as shares or property? See omnystudio.com/listener for privacy information.

The hottest investment of the year has been one of the oldest known investments... Gold! It's increased at ten times the pace of the wider ASX 200 over the year to date... and that's after years of 20 per cent plus returns.Is it for you..and how might a new investor get started? In today's episode, we cover: Why has the gold price raced higher? The ETF versus bullion debate Can gold keep going up if Trump settles down? A clarification on concessional (pre tax) super contributions Jordan Elesio, general manager of ABC Bullion joins Associate Editor - Wealth, James Kirby in this episode.See omnystudio.com/listener for privacy information.

The re-elected Albanese government is offering to effectively cut the price of home batteries for solar by half. That's on top of the generous tax incentives it has already rolled out for electric cars: It's time to cash in on the greening of Australia. In today's show we cover The new federal incentive to cut home battery costs in half How to have a fully tax deductible electric car Renting your home and Capital Gains tax Is the deeming rate now 'deemed' untouchable? James Gerrard of www.financialadviser.com.au joins Associate Editor- Wealth, James Kirby in this episodeSee omnystudio.com/listener for privacy information.

It seems like a good idea - rent your home and buy an investment property where you can deduct the mortgage payments against your annual income tax. In fact, it all works...to a point: But this increasingly popular investment strategy does not mean you get to buy your own home...worse still, it may mean the bank won't lend you any more funds. Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor-Wealth, James Kirby in this week's episode as we cover... * The problem with 'rentvesting'* A predictable pick up in house prices * The new government's menu for first-home buyers * How HECs changes will also boost the housing market See omnystudio.com/listener for privacy information.

Fund manager Geoff Wilson is at it again...campaigning for investors against poorly designed tax changes...and this time he has a major fight on his hands. Taxing unrealised gains (or paper gains) in super is a shocker, but it's a key policy for the government...and the government is set to be returned after the election. Geoff Wilson of Wilson Asset Management joins James Kirby, Associate Editor-Wealth in this episode ------In today's show, we cover... * The problem with the new super tax...and how it could be fixed * Why Australian interest rates may fall a lot further than the market expects * The case for sticking with US shares * Defensive stocks for the months ahead See omnystudio.com/listener for privacy information.

When it comes to tax affairs, it's never easy: Many investors believe they do not get a fair deal: But some people clearly suffer financial abuse (which often begins with how a partner has behaved in the past). Sometimes too, the issues don't fit neatly for a financial adviser or a financial counsellor: That’s where the Tax Clinic, an experiment at UNSW, fills the gap. Ann Kayis-Kumar of the Tax Clinic at UNSW joins Associate Editor - Wealth, James Kirby in this episode. ------In today's episode, we cover How to spot financial abuse Planned legal changes that could make a difference The short straw of being a secondary credit card holder Tax pitfalls and financial literacy See omnystudio.com/listener for privacy information.

You can spend half a lifetime working and investing only to hit a financial earthquake with a divorce. But there are ways to ensure the best possible outcome. Financial adviser Nathan Fradley joins James Kirby, Associate Editor - Wealth in this episode. In today's episode, we cover: What you must know about divorce and money The issue of 'valuations' How crypto accounts are increasingly relevant to settlements How a couple can find the best way to split See omnystudio.com/listener for privacy information.

Falling interest rates, a wild share market and an election campaign where both parties are falling over each other to throw money at first-home buyers...it's the perfect conditions for a lift in residential prices throughout 2025. Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor- Wealth, James Kirby in this episode. ….In today's show, we cover Green light for price growth in the residential market An investor's guide to the election promises made to home buyers Why apartments may do better than stand-alone homes Keeping up with the ATO clampdown on property investors See omnystudio.com/listener for privacy information.

Yes, the current market crisis has been 'caused' by the US: You could say the same for the dot.com crash and the GFC. But is that an argument for stepping away from the country which represents more than 60 per cent of the global share market - and hosts the world's most important bond market? Dr Sam Wylie of the Windlestone Education group joins Associate Editor - Wealth, James Kirby in this episode. -----In today's show, we cover: Buying the dip Why retreating to the ASX will cost you in the long run How gold paid off in the market rout The winning ways of unhedged funds See omnystudio.com/listener for privacy information.

The share markets have dropped hard following a severe bout of selling by institutional investors, but share-broker data suggests that everyday investors are bargain hunting.What's really going on? Gemma Dale, head of investor behaviour at NABtrade joins Associate Editor - Wealth, James Kirby in this episode. ------ In today's show, we cover: * What bargain hunters are buying * Gold drops from the favoured list * In a Covid-style replay, ETFs underpins the action* Getting rid of unwanted shares See omnystudio.com/listener for privacy information.

Trump's upending of world trade happens to coincide with challenging times for Big Super: The major funds face weak share markets while battling a range of administrative failures that have put Australian Super and CBUS in the headlines for all the wrong reasons.It might be time to take control. Hugh Robertson of Centaur Financial Services joins Associate Editor - Wealth, James Kirby in this episode. -----In today's show, we cover: Tariff turmoil triggers a second look at Self Managed Super Funds The Banks are offering 7 per cent yields again The minimum you need for an SMSF Learning about education bonds See omnystudio.com/listener for privacy information.

Donald Trump's unleashing of his tariff program through the Liberation Day plan has the share market reeling - and the US market is reeling the most with the weakest numbers so far this year. As Trump's old colleague, Steve Bannon, calls for Liberation Day to be made a public holiday in the US, it's time to take a serious look at Trump and your investments. Cameron Stewart, Chief International Correspondent of The Australian joins Associate Editor Wealth, James Kirby in this episode. ----In today's show episode, we cover: Liberation Day - A milestone or a millstone? How long will Musk last at the top table with Trump? The role of crypto in Trump's plans* In defence of Defined Benefit Super schemes See omnystudio.com/listener for privacy information.

The 2025 Budget managed to squeeze in a few pre-election surprises. A teeny tax cut, a decision to 'do nothing' on pension access (with unchanged deeming rates) and a genuine move to upgrade the government's signature Shared Home Ownership program.The so-called Help To Buy scheme will be very popular, but what are the risks? In this episode, Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth, James Kirby. ----- In today's show, we cover * The biggest thing for First Home Buyers in years- Help To Buy* Why bracket creep undermines all tax cuts * Is the $3m super tax dead or alive?* Should long-term investors be influenced by today's dividend yields? See omnystudio.com/listener for privacy information.

The tug of war between property and shares never ends: But for many investors, one area is more attractive. My guest in this episode has spent a lifetime investing - along with commenting on investment markets - and has come to a clear conclusion.You may not agree, but you should definitely hear him out. Anthony Keane, personal finance writer for News Corporation joins James Kirby in this episode. -------In today's show, we cover Trouble-free' share market investing versus 'bricks and mortar' Why property investing should be kept outside of super Holding costs - the swing factor for the everyday investor Should Adelaide really be more expensive than Melbourne? See omnystudio.com/listener for privacy information.

It had to happen: Tariffs, recession indicators and an overpriced Wall Street: The sharemarket has taken a tumble. As luck would have it, the Money Puzzle has a top value investor on the show this week and he names three top stocks that can survive just about anything! Roger Montgomery of Montgomery Investment Management joins James Kirby in this episode. -----In today's show, we cover... The sharemarket sell off - why did it happen? Ai and Tech face a new reality Three stocks with a value 'moat' The conditions we need for a positive year on the ASX See omnystudio.com/listener for privacy information.

Finally, after much flipping and flopping the government has decided to go ahead with a pre-election budget on March 25: What will it mean for your investment plans? James Gerrard of financialadviser.com.au joins James Kirby in this episode. ----- In today's show, we cover: What's the Coalition deal on tapping super to buy a home? How the ALP plans to offer a 20% discount on student debt Could financial advice be made fully tax deductible? The reality of taking out a reverse mortgage Why advisers are sceptical about annuities See omnystudio.com/listener for privacy information.

San Diego Short Film Festival founder James Kirby talks about the impressive format of the festival and indies are back! The Huslers discuss the stand-out Indies of 2024

The US sharemarket has lost all of the gains it racked up since the Trump election and the spectre of a tariff war is casting gloom across global trade. What to do? First of all, give up on those stocks you were hoping would 'turn' and then do a full 'clean out' of your share portfolio. Rudi Filapek-Vandyck of FNArena joins James Kirby in this episode ----In today's show, we cover: Why is confidence seeping out of the US sharemarket Can the ASX hold up if the dividend yield is fading? The reason why CBA is the best bank stock Goodman asks for more retail money - should you come to the party? See omnystudio.com/listener for privacy information.

The upper end of the market - defined by properties which rank in the 25 per cent of most expensive sales - is the layer that is moving up after the rate cut. And that means the post-rate cut bounce is concentrated in the two largest cities of Sydney and Melbourne. In fact, Melbourne might finally be turning a corner. Property analyst Eliza Owen of Corelogic joins James Kirby in this episode. -----In today's show, we cover... What investors must know about property trends after the rate cut Melbourne manages a one-month rebound..is there more to come? The window for first-time home buyers may be closing Queensland towns notch up remarkable price activity - take a look at Townsville! See omnystudio.com/listener for privacy information.

The superstar CEO is a complex package: You might love what they can do with the share price, but you might equally feel unsure about their behaviour day-to-day. What to do? Author and family office adviser, Jacqui Clarke, joins wealth editor James Kirby in this episode. ------ On today’s show, we cover: Passive investing …it’s not what it used to be Wealthy investors are getting cautious about the sharemarket How top investors deal with key person risk Big super funds under pressure on private investments See omnystudio.com/listener for privacy information.

For many property investors stand-alone homes will always win: Similarly, there is an investor bias towards the metropolitan centres of Sydney and Melbourne.But Hotspotting expert, Terry Ryder, sees the market differently: He offers a fresh view on the prospects for investors in the year ahead and may challenge some cherished assumptions. Terry Ryder, director of the Hotspotting group, joins wealth editor James Kirby in this episode. In today's show, we cover: The powerful forces pushing Queensland higher How units are outperforming stand-alone homes nationwide Signs of a slowdown in the Perth Market Defending 'property pre-nups.' See omnystudio.com/listener for privacy information.

Every investor needs to digest the changed direction of rates after the first cut in four years from the RBA: The headlines are all about mortgage cost reductions but for many investors the big question is - What to do now that risk-free investing is a fading feature of the market? James Gerrard of financialadviser.com.au joins wealth editor James Kirby in this episode. -------- In today's show, we cover The alternatives to cash deposits Perfect timing for A-REITs and private credit? The true cost of franked dividends Is super biased against younger Australians? See omnystudio.com/listener for privacy information.

For some investors a Self Managed Super Fund is their only entry point to the property market: But does it make sense? Stuart Wemyss of ProSolution Private Clients joins wealth editor James Kirby in this episode. In today's show, we cover The pros and cons of holding property in a SMSF The compromise: Co-investing with your own fund Property 'pre-nups' - the Bank of Mum and Dad loan agreements Splitting loans to optimise property returns See omnystudio.com/listener for privacy information.

Australian investors have never put so much money into the US market: That's largely because Wall Street stocks have been twice as profitable as ASX investments for years.The question now is how long can it last? In short, it can continue...but the composition of those share returns may change. Doug Turek of Minchin Moore Private Wealth joins wealth editor James Kirby in this episode. ------In today's show, we cover How to play the next phase of the Trump trade Defending investment in private markets Gold - the forever buffer ? How to replace your bank hybrids See omnystudio.com/listener for privacy information.

Rates are set to drop throughout 2025: But who knows if the RBA will get to cut much?And if they do, who knows if the banks will put the cuts through? They certainly dragged their tail during the last cycle. The key for investors is knowing how to get the best deal on rates in any part of the cycle. Sally Tindall of the Canstar group joins wealth editor James Kirby in this episode. -------In today's show, we cover: Finding the best saving and lending rates in the market The best way to cut your mortgage cost- call the bank! Assessing CGT on property subdivisions What's Division 293 tax..and when do I have to pay it? See omnystudio.com/listener for privacy information.

Standby for a 'giveaway' pre-election Federal Budget on March 25. If history is any guide there is little for investors to worry about this time around: In fact, the main challenge might be keeping up with the areas of the economy which receive the most largesse from Treasurer Jim Chalmers.Financial adviser Will Hamilton joins wealth editor James Kirby in this episode. In today's show, we cover: An early call on the forthcoming Federal Budget Private credit - Don't say you weren't warned The rebound in property trusts La Dolce Vita and the Australian pension system! See omnystudio.com/listener for privacy information.

Real estate transactions typically involve people who are not used to sending large amounts of money through the banking system; It's the perfect setting for internet fraud. Real estate agents and conveyance lawyers are now struggling to get their daily work done as cybercrime accelerates...what to do? Buyer's advocate Kitty Parker joins wealth editor James Kirby in this episode. In today's show, we cover: Protecting your money from real estate cybercrime New anti-fraud technology for helping property investors Do you need a property manager? The real estate costs that you never saw coming See omnystudio.com/listener for privacy information.

It's a defining feature of our economy: One in two Australians is involved in the Bank of Mum and Dad, and until now nobody had any hard numbers on the very big business of handing money to adult kids. Global investment bank UBS has finally got a measure on the 'elephant in the room' and it's time we talked to them. Richard Schellbach, equities strategist at UBS joins wealth editor James Kirby in this episode. In today's show, we cover: How the Bank of Mum and Dad really works The Deepseek sell-off and what it means for tech stocks Trump's tariffs: Should we worry? Aus stock sectors set to outperform in the US See omnystudio.com/listener for privacy information.

They call it an 'information gap': Property professionals know property but can't be expected to offer independent advice. Meanwhile, independent financial advisors rarely know much about property. What's the best way forward for the everyday investor? Financial adviser James Gerrard joins wealth editor James Kirby in this episode. ------------ In today's show, we cover How to find financial advice on property Why most advisers are not much help The most common mistakes of property investors Using super for residential property --See omnystudio.com/listener for privacy information.

Interest rates are set to fall in 2025 - and we may have to say goodbye to the days of 5 per cent returns for zero risk. Of course, there is no lack of opportunists standing in the wings with ideas for your money: The problem is that most of these 'opportunities' will come with a lot more risk than a bank deposit. What to do? Liam Shorte of the Sonas Wealth group joins wealth editor James Kirby in this episode. ---------In today's show, we cover Preparing for lower fixed-interest returns The risk of alternatives...especially private credit funds Taking profits on Commonwealth Bank stock How much time should you spend on your investments See omnystudio.com/listener for privacy information.

After the Los Angeles fires, it would be reasonable to assume that property values take a serious hit in the wake of a natural disaster. But this is not the evidence in the Australian market, a study from UNSW shows properties hit by fire and flood fully recover their values in line with the broader market. Nerida Conisbee, chief economist at Ray White group joins wealth editor James KIrby in this episode. ------------In today's show, we cover What the property investor needs to know about natural disasters? Top-down or bottom-up? The best approach to buying a property Using social media in selling your property Is the 40-year mortgage a bad thing ? See omnystudio.com/listener for privacy information.

Over the summer holidays we put together a series of shows on the outlook for the year ahead: In those three episodes we looked at share markets and property markets and today we put it all together offering a comprehensive view of the prospects for your investment portfolio this year. Financial adviser James Gerrard joins wealth editor James Kirby in this episode. -------------- In today's episode we cover: *The final numbers for investors in calendar 2024 *Getting to know the consensus forecasts for key assets in 2025 *Gold, cash, bitcoin ...what's next *The best approach to the new year See omnystudio.com/listener for privacy information.

The experts tell us house prices should move higher by between one and four per cent in 2025. But that average forecast conceals a wide range of variables: Sydney and Melbourne may drop, Perth could keep going gangbusters for months. Haven't you heard?...all property is local. The key issue is to get started and stick to the right path in the year ahead. In this special series show, we cover: Capital city forecasts for the year ahead Why internal migration patterns matter The long-term promise of Melbourne The factors that could knock our predictions off target. Stuart Wemyss of Prosolution Private Clients joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

If bank stocks ran too hot on the ASX in 2024, should investors chase them again in 2025? Perhaps there are better opportunities in the year ahead: We're talking miners, industrials and technology leaders. Jun Bei Liu, portfolio manager at Ten Capital joins wealth editor James Kirby in this special summer edition of the show. ----- In today's show, we cover: * The limited outlook for bank stocks* The forces that may trigger a rebound for resource stocks * Why the consumer retail boom will keep going * CSL, JB Hi-Fi, Pro Medicus, Rio...what's in store? See omnystudio.com/listener for privacy information.

The Hustlers hit San Diego Short Film Festival with Beautiful Darkness and Much More!!!

How could the sharemarkets possibly repeat the powerful performance of 2024 in the year ahead? It's time to take a look at what the experts are predicting for the leading share markets over the next 12 months and why you are entitled to be (just a little bit) optimistic. Marc Jocum, investment strategist at GlobalX ETFs joins wealth editor James Kirby in this special summer edition of the show. ---------In today's show, we cover:* The outlook for the ASX * 2025 on Wall Street * Megatrends of the coming year * A 'small cap' sunrise See omnystudio.com/listener for privacy information.

What is the FIRE movement and how did it get started? It's not a club or a cult: It doesn't have a headquarters, rather it's a set of investment principles: And it just might be a breakthrough for you in the year ahead. Lionel Lee joins wealth editor James Kirby in the episode --------In today's show, we cover: * The key principles of FIRE * Getting the best from what the movement has to offer * A case study that spans a lifetime * The realities of 'firing up'See omnystudio.com/listener for privacy information.

Never count your chickens...until the last day of the year: A sober call from US Federal Reserve chair, Jay Powell, has cooled US markets this week while on the ASX the biggest float of the year - DigiCo- has been an initial flop. But, hey, we are still looking at double-digit returns for investors in 2024...and that will do nicely. Financial adviser James Gerrard joins wealth editor James Kirby in the final regular episode of 2024. ---------- In today's show, we cover * A wrap for 2024 on listed investment markets * Cash, gold and Bitcoin - what we learnt * Super returns for 2024 * Why it's time to start thinking about the 'black swan' See omnystudio.com/listener for privacy information.

Call it key person risk - or perhaps ' key person opportunity': Either way, the personality of the CEO is crucial to the operation of most top stocks on the ASX.The Australian has just released its annual CEO survey - let's hear what the CEOs are saying about the year ahead. Associate editor Business Eric Johnston joins wealth editor James Kirby in this episode. ----------- In today's show, we cover: * "Cautious optimism' - Top CEOs look forward to the coming year * Banking on lending more - Financial CEOs wait for rate cuts* Copper Call - Will this future-facing metal matter more than iron ore?* What just happened at DigCo - and what does it mean for A-REITs See omnystudio.com/listener for privacy information.

The inbox at themoneypuzzle@theaustralian.com.au is not going to get cleared by Xmas if we don't do something soon! Here's a collection of our recent correspondence. Stuart Wemyss of Prosolution Private Clients joins wealth editor James Kirby in this episode. ------- In today's show, we cover: * The 40-year mortgage - good news or bad news? * Centrelink and gifting a stake in your property * Property trusts and the arrival of datacentre float DigiCo * What defines a 'distressed property sale' See omnystudio.com/listener for privacy information.

There were 30,000 advisers in Australia and there are 15,000 today. Worse still, there are only a teeny number of new recruits joining the sector each year. Big Super may provide a breakthrough with its plan for specialised in-house advisors, but will they be any good? Advisor Nathan Fradley joins wealth editor James Kirby in this episode. --------- In today's show, we cover * Finding a financial advisor in a shrinking market * Will your super fund be able to offer good advice?* What is debt recycling ?>* CGT and retirement  See omnystudio.com/listener for privacy information.

It does not take long for distressed sales to appear in a soft property market: In Sydney and Melbourne there is now clear weakness in inner-city apartment markets.But can an investor make money here? Louis Christopher of SQM Research joins wealth editor James Kirby in this episode. ------------ In today's show, we cover: * Soft spots in the metropolitan centres * Why Brisbane and Perth may hold up in 2025* Off-the-plan risks reappear * When one-bedroom units make sense  See omnystudio.com/listener for privacy information.

Call it a surprise if you like: But the unexpected, highly irregular, badly drafted new super tax is off the agenda: What's more, it's unlikely to reappear in anything like its current shape.  Then again, a parliamentary logjam has also ensured the big breakthrough on financial advice - where super funds would come into the game in a major way - is also petrified in a political deadlock. At least we can start investing with a teeny bit of certainty from here. Aleks Vickovich of the Conexus Financial group joins wealth editor James Kirby in this episode. -------- In today's show, we cover * What happened to the new $3m super tax * Financial advice from big funds gets kicked into touch * How paying $5000 a year for financial advice makes sense * Should you be involved in private credit ?  See omnystudio.com/listener for privacy information.